Retirement Package Bali — Complete Golden Years Plan

Sanur is consistently our top recommendation for retirees. This charming coastal town on Bali’s east side offers calm, shallow beaches perfect for morning walks, a flat terrain ideal for cycling (many retirees never need a car), excellent healthcare facilities, an established expat community with regular social events, and a peaceful atmosphere without the noise and nightlife of south Bali. Villa rentals in Sanur range from $600-1,500 per month for quality properties.

Ubud appeals to retirees seeking cooler temperatures (2-3 degrees cooler than coastal areas), lush green surroundings, and rich cultural immersion. The town center is walkable with traditional markets, art galleries, and yoga studios. However, Ubud’s hilly terrain can be challenging for those with mobility concerns, and it’s 60-90 minutes from the airport and major hospitals.

Some retirees choose Nusa Dua for its resort-like gated communities, pristine beaches, and proximity to top-tier golf courses. Others prefer Jimbaran for its famous seafood restaurants and quieter bay. During your consultation, we’ll discuss your priorities — beach access, healthcare proximity, social life, climate preference — and recommend the area that best matches your retirement vision.

One of the most common concerns for retirees moving to Bali is managing international finances. We help you set up an Indonesian bank account for local expenses and configure international transfer services (Wise, OFX, or bank telegraphic transfer) to move your pension or savings to Indonesia efficiently with minimal fees. The Indonesian Rupiah exchange rate has been relatively stable, and many retirees find their pension stretches 2-3 times further in Bali.

Indonesia’s tax requirements for retirees on KITAS visas are straightforward — you’re generally taxed only on Indonesian-sourced income, and pension income from your home country is typically not subject to Indonesian tax (though we recommend consulting with our tax advisory partners for country-specific advice). Our tax advisory service can help you understand your obligations and optimize your financial setup.

For day-to-day banking, we recommend maintaining accounts in both your home country and Indonesia. Most retirees keep their pension account at home and transfer monthly living expenses to their Indonesian account. Credit cards are widely accepted in tourist areas, and ATMs are plentiful. We set up everything during your first week so your financial infrastructure is solid from day one.